Cover-More Blue Insurance Services Limited

Assistance call deadline

You must contact the Emergency Assistance Service (+353 91 560616) before incurring inpatient hospital expenses or expenses over €500, before arrangements are made to extend the trip, before repatriation arrangements, or in the event of curtailment necessitating early return; if immediate emergency treatment is required, contact must be made as soon as possible.

Unauthorized treatment

Private medical treatment is not covered unless specifically authorised by the Emergency Assistance Service; failing to obtain prior authorisation for repatriation or trip extension may result in reduced or declined claims.

Purchase while abroad

This insurance is only available to permanent residents of Ireland who have been resident for the six months prior to the date of issue. Any trip that had already begun before the insurance was purchased will not be covered.

Chronic conditions

Chronic and pre-existing medical conditions must be declared to the Medical Screening Line (0818 286 537); cover for such conditions applies only once MAWDY has agreed in writing, except for a single condition drawn from the specified list of conditions that do not require screening.

Pregnancy

Pregnancy and childbirth are not covered except for defined 'Complications of Pregnancy and Childbirth'. Cancellation/curtailment cover due to pregnancy applies only if the insured will be more than 32 weeks pregnant (24 weeks if expecting more than one baby) at the start of or during the trip, or a doctor advises against travel due to such complications.

Pre-existing condition exclusions

Pre-existing medical conditions must be declared via the Medical Screening Line prior to travel; cover for claims arising from an undeclared or unaccepted pre-existing condition is excluded unless the insurer has agreed in writing (an additional premium may apply). Private health insurance holders with at least €55,000 of inpatient cover abroad, declared to the issuing agent, are exempt from the screening requirement.

Coverage duration limit

The policy handbook states annual multi-trip cover is limited to 45 consecutive days per trip (31 days for ages 66-69, 21 days for ages 70-75), with winter sports limited to 17 days per period of insurance (though the Winter Sports section preamble separately states up to 21 days). The Premier IPID states annual multi-trip cover is limited to 60 days (35 days for ages 66-69, 21 days for ages 70-75). Both figures appear in verified sources and could not be reconciled. Single Trip and Backpacker durations are limited to the period shown on the validation certificate.

Emergency Medical Expenses limit

Maximum coverage for emergency medical and other expenses incurred abroad, varies by policy tier and destination coverage (European, Worldwide, USA/Canada)

Cancellation and Curtailment cover

Cover for loss of deposits or travel costs if trip is cancelled or cut short due to insured events; starts as soon as policy is purchased for single trip

Personal Accident benefit

Cover for accidental death, injury or disability; automatically provided for Grade 1 activities on incidental basis

Optional additional covers

Additional coverage available at extra premium: Winter sports, Travel Disruption, Flight Cancellation, Cruise Connection, Wedding/Civil Partnership, Business Cover, Golf Cover, Gadget Cover, Excess Waiver

Baggage and Personal Belongings cover

Cover for loss, theft or damage to baggage and personal items while travelling; includes delayed baggage provisions

COVID-19 Medical and Cancellation Cover

Cover for emergency medical expenses and cancellation costs related to COVID-19 diagnosis abroad; included as standard in policies with restrictions based on Department of Foreign Affairs travel advice

Irish Residency Requirement

Policy only available to permanent residents of the Republic of Ireland who have been resident for at least 6 months prior to policy issue

Policy Purchase Timing Requirement

Travel Insurance must be purchased prior to departure from Republic of Ireland; exception allows purchase via WiFi while on aircraft/train before first international destination

Medical Conditions Declaration and Screening

Any person with medical condition treated or medicated in past 2 years must declare to medical screening company; pre-existing conditions may require additional premium or may be excluded

Age Coverage Limits

Different age limits apply by policy type: Annual Multi-Trip max 75 years; Single Trip max 86 years; Backpacker max 49 years

Maximum Trip Duration Limits

Multi-trip policies: 70 days max (age up to 65), 39 days (age 66-69), 25 days (age 70-75); Single trip: 365 days (age up to 69), 35 days (age 70-75), 21 days (76-79), 15 days (80-86)

Geographical Coverage Areas

Coverage options: European (standard), Worldwide excluding USA/Canada, Worldwide including USA/Canada; travelers may spend up to 20% or 31 days (whichever less) in other areas

Emergency Assistance Pre-approval Requirement

For medical claims abroad or trip curtailment, policyholder must contact Emergency Assistance Company before incurring inpatient expenses; failure to do so may result in claim denial

Claims Notification Deadline

Written notice of claim must be given to MAPFRE Assistencia Travel Claims as soon as possible but within 31 days of incident

14-Day Cooling-Off Period

Buyers have 14 days from receipt of policy documents to cancel and receive full refund, provided no travel has occurred, no claims made, and policy not used for visa application